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Securian Financial

Retirement plans

Custom retirement plan solutions backed by our expertise

You can depend on Securian Financial for flexibility, expertise and outstanding service from people who truly care about our customers’ financial security.

Our customers appreciate our technical capabilities and rely on us for a variety of plan types, custom plan designs, innovative investment solutions and administrative support.

We work with employers of all sizes, with a special focus on plans up to $200 million in assets.

Plan types available

All of our plans are fully customized specific to each organization’s needs. We offer variety of plan types, including:

  • 401(k)
  • Profit sharing
  • Defined benefit
  • Cash balance

Client-first investment practices

Our investment philosophy puts customers first.

  • Revenue sharing is credited back to participant accounts daily, eliminating inequity in assessing plan costs to participants.

  • Foreign tax credits are credited back to the separate accounts that generated them, resulting in lower separate account expenses and increased performance.

  • Use of the most efficient share class – after revenue sharing and/or foreign tax credits have been credited back – helps minimize expenses and maximize returns.

  • Sub-advised accounts provide more choice in capacity-constrained asset categories and lower investment costs relative to using mutual funds as the primary plan funding strategy.

Innovative investment choices

Securian Financial offers thoughtful, innovative plan investment options, including the unique practices utilized in both our open architecture platform and Securian Signature Series®. Our pricing is not affected by proprietary funds, mapping strategies or fund selections.

Open architecture

We offer a robust open architecture program with more than 6,100 unique investment options available, but without the distraction of multiple share classes of the same strategy that can clutter other open architecture platforms.

Our approach provides meaningful choice, industry-leading fee levelization and transparency. The platform includes:

  • Actively and passively managed mutual funds
  • Collective investment trusts, including nonproprietary target-date and target-risk funds as well as stable value funds
  • Variable insurance trusts with a recent emergence of managed risk and managed volatility strategies
  • Institutional separate accounts

Securian Signature Series

The Signature Series is a diversified investment array created by the Securian Due Diligence Committee through a rigorous selection and monitoring process to ensure that we continuously offer quality investments.

Plan sponsors have the option to appoint Securian as a platform level ERISA 3(38) fiduciary for the Signature Series.

Administrative outsourcing

We make plan administration easy for your clients, allowing them to focus on other work and leave the day-to-day details to us. The knowledge and expertise of our team allows employers to focus on their business because we provide a level of administrative support that’s typically done in house by the employer.

In addition to the standard services offered by most retirement plan providers, we offer more services at no additional cost, including:

  • Streamlined plan management
  • Fiduciary support
  • Loan processing using ACH payments
  • Enhanced distribution services for QDROS and hardships
  • Terminated participant tracking
  • Required notices management

Fiduciary services

We can help you offer your clients 3(21) and 3(38) investment services through independent third parties. It’s an effective way for you to bring a clearly defined investment fiduciary solution to your clients.

Even investment advisors that typically act as a fiduciary may find these investment services a convenient means of offering an important service to smaller clients while staying focused on providing fiduciary support to larger clients.

Selling our plans

Contact a Securian Financial retirement wholesaler to learn more.

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Securian's qualified plan products are offered through a group variable annuity contract issued by Minnesota Life Insurance Company.

Securian’s 3(38) fiduciary service does not include investment options selected by the plan level fiduciary that are not part of the Signature Series.  Individuals or firms selecting specific investments from the Signature Series for a particular plan are considered plan level fiduciaries and Securian is not responsible for the fiduciary decisions made by plan level fiduciaries.

These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action.  Securian Financial Group, and its affiliates, have a financial interest in the sale of its products.

DOFU 3-2017